Cabot/Wescots chasing Natwest OD debt - already paying by CCJ/CO to shoes

[bubblenskweak]

Hi All,

 

 

my wife has been receiving letters from Wescots, chasing an old Natwest Overdraft.

 

 

It was from a joint account that was closed by Natwest in 2007.

 

 

While we were a bit daft, we had been paying it off through a company called Apex.

After finding this group back in 2014, and realising we were being 'cash cowed', we stopped payments.

Although this was a joint account we were both chased for the full amount of the overdraft.

 

 

The whole amount of the overdraft was combined with a personal loan I had, and this has been dealt with in the county court.

I have a charge on my property, and am making payment through Shoesmiths.

 

 

My question is, has this overdraft debt been dealt with ?.

If not, how do I proceed with Wescot, who seem to have the same address as Cabot.

And I've heard Wescots are not beyond contacting your neighbours,to get information about you.

 

Regards... Dave G

Edited January 3, 2016 by bubblenskweak
Wrong Company namr

[honeybee13]

Hello there.

 

I've altered the thread title for you, as you won't be able to edit the title once you've posted it.

 

HB

[dx100uk]

who merged the od with the loan?

 

 

did you not defend the claim at all?

 

 

if you've proof you are already paying it

then send that to wetcloths or simply ignore them.

 

 

bit more of the story please

[bubblenskweak]

Hi Dx, It was Natwest who combined the debts.

I didn't defend at all, as I was unaware of this group then, and didn't think there was any other option.

I am unsure what proof would be, I have never had any statements from Shoesmiths. All I get from them, is constant letters asking me to fill in income/expediture forms. Obviously trying to get more money out of me, I ignore these, and they point out they could take further legal action.

I'll see if I can find the judgement letter, that could possibly be proof.

Regards...Dave G

[Stigman]

You pay who is listed on the CCJ Judgement and you pay the instalment amount that is also listed on your judgement.

 

Unless you receive paperwork from the Courts notifying you of a variation in the payee, then continue to pay as you have always done.

 

Write a letter to Cabot informing that unless you receive a payee variation order from the Court then you will continue paying Shoesmiths.

 

Stigman

[AndyOrch]

You pay who is listed on the CCJ Judgement and you pay the instalment amount that is also listed on your judgement.

 

Unless you receive paperwork from the Courts notifying you of a variation in the payee, then continue to pay as you have always done.

 

Write a letter to Cabot informing that unless you receive a payee variation order from the Court then you will continue paying Shoesmiths.

 

Stigman